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KLARNA GROUP PLC (KLAR) Stock Fundamental Analysis

USA - NYSE:KLAR - GB00BMHVL512 - Common Stock

37.186 USD
+1.51 (+4.22%)
Last: 10/23/2025, 10:56:51 AM
Fundamental Rating

3

KLAR gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 99 industry peers in the Financial Services industry. The financial health of KLAR is average, but there are quite some concerns on its profitability. KLAR has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

KLAR had positive earnings in the past year.
In the past year KLAR had a positive cash flow from operations.
KLAR Yearly Net Income VS EBIT VS OCF VS FCFKLAR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 0 500M -500M -1B

1.2 Ratios

KLAR has a Return On Assets of 0.14%. This is in the lower half of the industry: KLAR underperforms 68.69% of its industry peers.
KLAR has a worse Return On Equity (0.97%) than 66.67% of its industry peers.
Industry RankSector Rank
ROA 0.14%
ROE 0.97%
ROIC N/A
ROA(3y)-3.41%
ROA(5y)N/A
ROE(3y)-18.24%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
KLAR Yearly ROA, ROE, ROICKLAR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 0 -10 -20 -30 -40

1.3 Margins

KLAR has a worse Profit Margin (0.75%) than 69.70% of its industry peers.
KLAR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 0.75%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
KLAR Yearly Profit, Operating, Gross MarginsKLAR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 0 -10 -20 -30 -40 -50

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5

2. Health

2.1 Basic Checks

KLAR does not have a ROIC to compare to the WACC, probably because it is not profitable.
KLAR has about the same amout of shares outstanding than it did 1 year ago.
Compared to 1 year ago, KLAR has a worse debt to assets ratio.
KLAR Yearly Shares OutstandingKLAR Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 100M 200M 300M
KLAR Yearly Total Debt VS Total AssetsKLAR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

KLAR has an Altman-Z score of 1.59. This is a bad value and indicates that KLAR is not financially healthy and even has some risk of bankruptcy.
KLAR's Altman-Z score of 1.59 is fine compared to the rest of the industry. KLAR outperforms 67.68% of its industry peers.
KLAR has a debt to FCF ratio of 28.11. This is a negative value and a sign of low solvency as KLAR would need 28.11 years to pay back of all of its debts.
With a Debt to FCF ratio value of 28.11, KLAR perfoms like the industry average, outperforming 43.43% of the companies in the same industry.
KLAR has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
KLAR has a Debt to Equity ratio of 0.25. This is in the better half of the industry: KLAR outperforms 62.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 28.11
Altman-Z 1.59
ROIC/WACCN/A
WACC9.17%
KLAR Yearly LT Debt VS Equity VS FCFKLAR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 500M 1B 1.5B 2B

2.3 Liquidity

A Current Ratio of 7.36 indicates that KLAR has no problem at all paying its short term obligations.
With an excellent Current ratio value of 7.36, KLAR belongs to the best of the industry, outperforming 95.96% of the companies in the same industry.
A Quick Ratio of 7.36 indicates that KLAR has no problem at all paying its short term obligations.
KLAR's Quick ratio of 7.36 is amongst the best of the industry. KLAR outperforms 95.96% of its industry peers.
Industry RankSector Rank
Current Ratio 7.36
Quick Ratio 7.36
KLAR Yearly Current Assets VS Current LiabilitesKLAR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 2023 2024 2B 4B 6B 8B 10B

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 108.96% over the past year.
The Revenue has grown by 23.51% in the past year. This is a very strong growth!
EPS 1Y (TTM)108.96%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-229.96%
Revenue 1Y (TTM)23.51%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.02%

3.2 Future

KLAR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 156.27% yearly.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y92.1%
EPS Next 2Y218.04%
EPS Next 3Y156.27%
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
KLAR Yearly Revenue VS EstimatesKLAR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 500M 1B 1.5B 2B 2.5B
KLAR Yearly EPS VS EstimatesKLAR Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0.2 0.4 0.6 0.8 1

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1

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 619.77, the valuation of KLAR can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of KLAR indicates a slightly more expensive valuation: KLAR is more expensive than 79.80% of the companies listed in the same industry.
KLAR is valuated expensively when we compare the Price/Earnings ratio to 27.57, which is the current average of the S&P500 Index.
KLAR is valuated quite expensively with a Price/Forward Earnings ratio of 61.27.
Based on the Price/Forward Earnings ratio, KLAR is valued a bit more expensive than the industry average as 77.78% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of KLAR to the average of the S&P500 Index (23.09), we can say KLAR is valued expensively.
Industry RankSector Rank
PE 619.77
Fwd PE 61.27
KLAR Price Earnings VS Forward Price EarningsKLAR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 200 400 600

4.2 Price Multiples

69.70% of the companies in the same industry are cheaper than KLAR, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, KLAR is valued a bit more expensive than the industry average as 61.62% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 738.36
EV/EBITDA 156.52
KLAR Per share dataKLAR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
KLAR's earnings are expected to grow with 156.27% in the coming years. This may justify a more expensive valuation.
PEG (NY)6.73
PEG (5Y)N/A
EPS Next 2Y218.04%
EPS Next 3Y156.27%

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0

5. Dividend

5.1 Amount

KLAR does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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KLARNA GROUP PLC

NYSE:KLAR (10/23/2025, 10:56:51 AM)

37.186

+1.51 (+4.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners24.94%
Inst Owner ChangeN/A
Ins Owners14.76%
Ins Owner ChangeN/A
Market Cap14.03B
Revenue(TTM)2.81B
Net Income(TTM)21.00M
Analysts85.71
Price Target54.06 (45.38%)
Short Float %3.13%
Short Ratio1.14
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 619.77
Fwd PE 61.27
P/S 4.99
P/FCF 738.36
P/OCF 738.36
P/B 6.46
P/tB 12.41
EV/EBITDA 156.52
EPS(TTM)0.06
EY0.16%
EPS(NY)0.61
Fwd EY1.63%
FCF(TTM)0.05
FCFY0.14%
OCF(TTM)0.05
OCFY0.14%
SpS7.45
BVpS5.75
TBVpS3
PEG (NY)6.73
PEG (5Y)N/A
Graham Number2.79
Profitability
Industry RankSector Rank
ROA 0.14%
ROE 0.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 0.75%
GM N/A
FCFM 0.68%
ROA(3y)-3.41%
ROA(5y)N/A
ROE(3y)-18.24%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.18
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 28.11
Debt/EBITDA 8.48
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion 30.16%
Profit Quality 90.48%
Current Ratio 7.36
Quick Ratio 7.36
Altman-Z 1.59
F-ScoreN/A
WACC9.17%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)108.96%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-229.96%
EPS Next Y92.1%
EPS Next 2Y218.04%
EPS Next 3Y156.27%
EPS Next 5YN/A
Revenue 1Y (TTM)23.51%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.02%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y63.64%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-27.35%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-27.35%
OCF growth 3YN/A
OCF growth 5YN/A